Investment Strategies Part 2: Use Correlation to Define Asset Classes
with No Comments

Generally, a correlation that can drop below 0.6 with other asset classes is a good candidate to become its own asset class.

Investment Strategies Part 1: Rebalance into Stable Investments in an Appreciating Market
with No Comments

Diversifying your portfolio means finding assets that have value on their own merits but do not move exactly alike. A critical investment metric called “correlation” is used to construct a portfolio most likely to meet your personal financial goals.

Achieving Family Harmony in Estate Planning Part 2: Make Sure Your Plan Fits Your Unique Needs
with No Comments

Estate planning must begin with family harmony as the goal. Thus personal dynamics are more important than avoiding probate and estate taxes.

American Mercantilism Descends Into Fascism
with No Comments

The government is not intervening out of a sense of altruism.

Achieving Family Harmony in Estate Planning Part 1: Leave Your Estate in the Right Hands
with No Comments

The most important product of estate planning is achieving family harmony. Think carefully when you choose your executor or trustee.

Video: Roth Segregation Part 1: IRA Tax Law
with No Comments

A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Roth Segregation Accounts
with No Comments

A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregations
with 8 Comments

A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregation Part 2: Implementation
with No Comments

A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Getting Started With Investing
with No Comments

There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Video: Getting Started with Investing
with No Comments

There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Social Security 6: The 70-66 Strategy
with No Comments

Future earnings and the potential for Roth IRA conversions should be part of your plan.

Social Security 5: File and Suspend for Soon-to-Be Widowed Homemakers
with No Comments

Healthy spouses with little earnings should encourage their partners to delay filing.

Social Security 4: File, Repay and Refile to Get an Interest-Free Loan
with No Comments

Filing early and then repaying is the least dangerous for those who are single or for a husband and wife whose benefits are roughly equal.

Social Security 3: Delay Filing for Younger Wives and Homemakers
with No Comments

Dying young never jeopardizes a retirement plan financially.

Social Security 1: Planning Is Crucial
with No Comments

Your filing option choices may be worth $250,000 of income or more.

Government-Provided Economic Security Is an Illusion
with No Comments

The various congressional bailouts have been touted as essential to the nation’s economic security. So long as the notion of economic security remains vague and abstract, it has wide support. But anyone who examines the details should realize this so-called security threatens our freedom and stability.

Safeguard #6: Recognize And Avoid Financial Hooks
with No Comments

To safeguard your money, you must be able to extricate yourself from any bad investment quickly. Of course, the companies that sell mistakes don’t want you to be able to do that, so they use financial hooks to hold your money captive.

Safeguard #5: Understand Your Investment Strategy
with No Comments

You have a critical part to play in financial planning. Certain responsibilities cannot be delegated to others.

Safeguard #4: Buy Investments That Trend Upward
with No Comments

Crazy volatile markets push people toward irrational investment schemes. Know how to avoid them in order to safeguard your money.

Video: Seven Financial Vows for Marital Bliss
with No Comments

An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. This is no surprise because the way we use our time and money reflects our values. Without a strong set of shared values, marriages drift apart. But, dealing with finances together can bring a couple closer. Here are seven principles of how you can build wealth and your marriage.

Safeguard #3: Insist on Publicly Priced and Traded Investments
with No Comments

One important safeguard is to insist on investing only in liquid assets. Investors undervalue liquidity 99.9% of the time. You need to be in the other 0.1%.

Safeguard #2: Walk Away from “Too Good to Be True”
with No Comments

There are several investment safeguards you should insist on. One is to avoid any investment opportunity that sounds too good to be true.

Safeguard #1: Do Not Allow Your Advisor to Have Custody of Your Investments
with No Comments

I was recently asked if investors should trust their financial advisors. And my short answer, you may be surprised to hear, was no. Your financial advisor should not also have custody of your investments.

Financial Resolutions for the New Year – 2009
with No Comments

Every year many of us make New Year’s resolutions and then can’t follow through because we claim we’re too busy.

A Christmas Sermon
with No Comments

Christians celebrate the birth of Jesus on Christmas Day. But for too many of us, it’s the season that unravels the careful financial planning of the previous 11 months. So this year, instead of trading your financial goals for a mountain of gifts and debt, take a moment to contemplate how a spiritual perspective can help you put your wealth in perspective.

Financial Time Perspective
with No Comments

Philip Zimbardo’s latest book, “The Time Paradox” suggests that understanding your own time perspective may help you unlock the secrets of financial freedom. In other words, how we think determines who we are and what we do.

Owners of Second Homes: Beware of New Tax Laws
with No Comments

A shortage of people are buying real estate and we’ve passed a one-per-customer tax incentive law.

When Will The Markets Stop Dropping?
with No Comments

There is always a day of reckoning when people use debt to leverage their investments.

Dropping the Baton in Estate Titling
with No Comments

How you “title” the property you own is a lot more important than you might think. Failure to title your assets properly could undo the best will and trust planning that money can buy.

Keep Christmas Your Own Way
with No Comments

This year, give your family the gift of financial peace of mind. Celebrate the season simply.

Give Generously During Hard Times
with No Comments

For charity to be a virtue, it must be freely given from your own resources.

The Assault on Free Markets
with 1 Comment

Free markets are under assault in America. We have seen much hyperbole and slander in these past two years of political polarization. But the idea of capitalism and free markets has received more negative campaigning and vicious attack than both candidates combined.

Part 2: Privatization Could Fix Social Security
with No Comments

Privatization eliminates benefits for those who can do better with 5% of their payroll taxes than the government does with the entire 12.4%.

Part 1: Social Security Is Still Broken
with No Comments

All this toil to maintain an average benefit of about $12,000 a year!

The Seven Steps of Financial Preparedness
with No Comments

When a hurricane threatens, making a plan and gearing up for emergencies is imperative. Economic emergencies happen too, but it may be less obvious how to prepare. Here are seven steps you should take to weather any financial storm.

Our Financial Crisis: The Result of Centralized Planning
with No Comments

Regulation and centralized planning have caused financial instability and failing institutions. If this is the root cause, then many of the proposed solutions will only make matters worse.

Eastern Europe and Turkey: BRIC Wannabes
with No Comments

Eastern European countries have been struggling out of the darkness of communist rule into the light of free markets.

BRIC Countries: China
with No Comments

Free markets thrive when a country guarantees property rights and the rule of law. China possesses neither of these.

BRIC Countries: A Passage to Indian Freedom
with No Comments

“The fence itself grazed through the field.”

BRIC Countries: Russia
with No Comments

Russia never really tried free markets. Rated at just below 50% free, Russia is considered repressed.

BRIC Countries: Brazil
with No Comments

One area where Brazil has excelled is making headway toward energy independence.

Behavioral Finance: Patience Is Its Own Reward
with No Comments

To process financial information, our minds often attempt unwise shortcuts. By understanding behavioral finance, we can limit the information we use and keep our decisions balanced and on track.

Behavioral Finance: Herd Mentality
with No Comments

One of the early studies on herd mentality was the Solomon Asch experiments in the 1950s. The setup was a mock vision test. In reality, all but one of the participants were actors, who after a few correct answers started agreeing unanimously on a wrong choice.

Behavioral Finance: Overconfidence
with No Comments

Think of confidence as a continuum: Lack of confidence is paralyzing, self-confidence is good, but overconfidence is deadly. Successful investors seek to find a balance between rashness and timidity. Understanding the psychology that causes us to act overconfidently will help you avoid it.

Behavioral Finance: Mental Accounting
with No Comments

The essence of successful financial planning is using your money to meet your life’s goals. Curiously our minds tend to fall prey to the fallacy that behavioral finance calls “mental accounting”.

Behavioral Finance: Anchoring
with No Comments

Our first reaction to a complicated situation, usually instinctive, often does not serve our best interests. One heuristic that the brain uses to solve complex evaluations is to make an initial guess and then adjust from that point. This mental process is called “anchoring.”

Foreign Freedom Investing 2008
with No Comments

You can both diversify for safety and boost your returns by adding international investments to your portfolio.

1 24 25 26 27 28 29 30 31

Subscribe to our newsletter!